We all know how we got in this credit mess and you would think the banks would be, at least slightly, embarrassed about the whole thing and try to avoid annoying their customers by ripping them off. You would think!

NatWest, in their ultimate wisdom, now take the interest on overdrafts two week earlier each month than they have done for the last ten years. Apparently all customers received a booklet in January explaining this. Well I didn’t. I have also been informed that they put this all over their statements, but I bank on-line with paper-less statements (on their recommendation). Therefore NatWest took money from my account without my knowledge and have sent me over my overdraft limit. This will cost me £28 in charges. This is nothing short of theft.

When I phoned to complain I was informed by a sanctimonious NatWest robot that this was done to help all customers. Hmm! Yes please, NatWest, take money from my account earlier I insist! What a load of bankers! They took this decision on a purely commercial, money grabbing basis and bollocks to their customers.